| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 9850 NW 41ST ST. MIAMI, FL 33178 | AETNA LIFE INSURANCE COMPANY | $69K | $20K | $89K | 2.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1661 WORTHINGTON ROAD WEST PALM BEACH, FL 33409 | AETNA LIFE INSURANCE COMPANY | $49K | — | $49K | 1.25% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $800 | $800 | 0.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.05% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 4.28% |
| MARSH & MCLENNAN AGENCY LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 1.30% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $831 | $831 | 1.29% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | PO BOX 745867 ATLANTA, GA 30374 | VISION SERVICE PLAN | $1K | — | $1K | 2.56% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 412703 BOSTON, MA 02241 | VISION SERVICE PLAN | $1K | — | $1K | 2.46% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENGY LLC | 9171 TOWNE CENTRE SUITE #100 SAN DIEGO, CA 92122 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | — | $5K | 17.54% |
| MARSH & MCLENNAN AGENCY LLC3 | 9171 TOWNE CENTRE DRIVE, SUITE 100 SAN DIEGO, CA 92122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $904 | $690 | $2K | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $209 | — | $209 | 3.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | PO BOX 745867 ATLANTA, GA 30374 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $199 | — | $199 | 3.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARSH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $90 | $90 | 1.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC. | 633 W. 5TH ST. STE 1200 LOS ANGELES, CA 90071 | ACE AMERICAN INSURANCE COMPANY | $712 | — | $712 | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $130 | — | $130 | 7.98% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 418 | $4.0M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 202 | $337K |
| Vision | VISION SERVICE PLAN | 188 | $48K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $101K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $93K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $80K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 418 | $4.2M |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
No prospect flags tripped on this filing.